2002 Honda Civic Insurance Quotes – 7 Tips for Cheaper Rates

Scraping up a payment for overpriced Honda Civic insurance can dwindle your personal savings and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

Big-name insurance companies like GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

If you currently have car insurance, you will most likely be able to save some money using this strategy. Buying car insurance is quite easy. But vehicle owners must know the methods companies use to sell online because it can help you find the best coverage.

Save money by taking advantage of these seven discounts

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. A few discounts will automatically apply when you quote, but a few must be asked about before you get the savings.

  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance from them.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Civic insurance with select insurance companies.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Senior Citizens – Older drivers may be able to get reduced rates on Civic insurance.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.

It’s important to understand that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will bring down the amount you have to pay.

For a list of insurance companies who offer car insurance discounts, click here.

How to Get Auto Insurance

There are a variety of methods you can shop for 2002 Honda Civic auto insurance but one way is easier and takes less work. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

All the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing determined by their information. This system prevents you from having to do quote forms to every company. To participate in this free quote system, click to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose the insurers to get pricing from. So if you prefer to choose from a list of companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverage limits on every quote you get. If you enter different values for each quote it will be impossible to determine the lowest rate for your Honda Civic. Slightly different coverages can result in a big premium difference. Keep in mind that having more price comparisons will enable you to find the best offered rates.

When should I use an insurance agent?

When it comes to choosing the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine if you will benefit from professional help.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the financial responsibility laws in my state?
  • Will filing a claim cost me more?
  • Are split liability limits better than a combined single limit?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Don’t listen to company ads

Insurance companies such as State Farm and Allstate consistently run ads on television and other media. They all seem to have a common claim that you’ll save big if you change to them. How do they all make the same claim?

All companies are able to cherry pick for the type of customer that earns them a profit. A good example of a desirable insured might be between 25 and 40, a clean driving record, and has great credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for the “perfect” profile will be quoted more money which usually ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can claim big savings.

This emphasizes why you should compare as many rates as you can. It’s not possible to predict the company that will fit your personal profile best.

Car insurance coverage basics

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by car insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for things like surgery, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda Civic.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, hail damage and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage, court costs, funeral expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverage

Collision insurance covers damage to your Civic caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

A fool and his money are soon parted

You just read many tips how you can get a better price on 2002 Honda Civic insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a small mutual company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

The cheapest insurance can be found both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

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